Home Equity Loans & Lines
This is how you get to, 'Yes, let's do it.'
You've got big plans, great ideas, long-held dreams and everyday financial needs. The question is, where do you find money to make them happen? The answer is right in front of you. Using your home's equity as collateral, you can acquire a low-cost loan or line of credit that can be used for almost anything that makes life better.
So you want some ideas? Our pleasure. Super-size that kitchen. Add a porch or patio. Pay for a storybook wedding. Take a memories-made-here family vacation. Or just breathe a sigh of relief as you consolidate higher-interest debt. All you need is a house that's worth more than your mortgage loan balance and a few minutes to fill out our online application.
Home Equity Loan
- Fixed interest rates as low as 6.99% APR1
- Fixed interest rates mean no repayment surprises
- Loan repayment terms available up to 15 years
- One-time loan for a specific amount of money
- You may be able to borrow up to 90% of the equity in your home
Home Equity Line of Credit (HELOC)
- Fixed or variable interest rates available
- Fixed interest rates as low as 6.99% APR2
- Loan repayment terms available up to 15 years
- Apply for a HELOC once and receive a pre-approved credit limit
- Use your funds over and over again for up to five years
- Borrow the money you need when you need it
- Access money with CU Online, our mobile app, or by stopping at any Capital Credit Union location throughout North Dakota
- Interest may be tax-deductible; check with your tax advisor
- View Home Equity Line of Credit Disclosures
“Tyler Artlip is awesome, knowledgeable and respectful, and gets the best options for us. We appreciate his candor.”
“Will was the best loan officer and took care of everything. He was very friendly every time I walked into the Northwest Branch.”
“The knowledgeable employees are what make working with Capital Credit Union a great experience.”
“The service we receive is outstanding! From our home loan to everyday needs, we always get great service.”
“I have worked with Lauren Vandal a few times and she is absolutely fantastic. I just referred a friend her way and he was extremely satisfied as well.”
“Normally we work with Kari who we LOVE but she was not there, and Loren stepped right in and got everything we needed done right away!! Awesome customer service!!!”
When you borrow from Capital Credit Union, you pay interest on the unpaid loan balance. There are no penalties for paying off your loan early. Credit Life and Credit Disability Insurance are both offered at a low rate. Home Equity Line of Credit (HELOC) loans can be completed from application to funding in 10 business days or more. If an appraisal needs to be ordered it can increase the process time.
1Annual Percentage Rate (APR) is current as of Jan. 2, 2026, and subject to change and credit approval. The rate displayed is a 5-year fixed-rate term and based on top tier credit approval and 80% loan-to-value, less first mortgage balance. Annual Percentage Rate of 6.99% available up to 60 months at $19.80 per $1,000 borrowed. Cannot be combined with other discounts. Closing costs may range from $250 - $1,400. Minimum loan amount must be greater than $5,000. Rates may vary depending on each individual's credit history and underwriting factors. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply.
2Annual Percentage Rate (APR) is current as of Jan. 2, 2026, and subject to change and credit approval. The rate displayed is a 10-year fixed-rate term and based on top tier credit approval, less first mortgage balance. Annual Percentage Rate of 6.99% available up to 120 months at $11.61 per $1,000 borrowed. Cannot be combined with other discounts. Closing costs may range from $250 - $1,400. Minimum loan amount must be greater than $5,000. Rates may vary depending on each individual's credit history and underwriting factors. Programs, rates, terms and conditions are subject to change without notice. Other restrictions may apply.
NMLS #423050